Close window
Certificates « Certificates Rates « Printable Certificates Rates

Certificate Rates

Certificate Special Offers

Rates effective as of:
Product Minimum Deposit Term Dividend Rate APY*
Special 15-Month Certificate (Share only) 1 $50 15 months
2.25%
Special 32-Month Certificate (IRA/ESA only) 2 $50 32 months
2.75%
Special EasyStartSM Certificate
(Share/IRA/ESA) 3
$50 12 months
3.00%
For Dividend Rates, please hover your mouse over an APY.

*APY=Annual Percentage Yield

Read Important Disclosures

1Limit one Special 15-Month Share Certificate per member. This offer, including the stated Annual Percentage Yield (APY), is effective December 4, 2017. Navy Federal reserves the right to end or modify this offer at any time. The Special 15-Month Share Certificate has a $50 minimum and a $50,000 maximum balance. Only available for Share Certificates. Additional deposits are allowed at any time, subject to the maximum balance. Penalties apply for early withdrawals from certificates. Other restrictions may apply.

2 Limit one Special 32-Month IRA Certificate per member. This offer, including the stated Annual Percentage Yield (APY), is effective December 4, 2017. Navy Federal reserves the right to end or modify this offer at any time. The Special 32-Month IRA Certificate has a $50 minimum and a $250,000 maximum balance. Only available for IRAs or ESAs. Additional deposits are allowed at any time, subject to the maximum balance and IRS contribution limits. Penalties apply for early withdrawals from certificates. Other restrictions may apply.

3Limit one Special EasyStart Certificate per member. This offer, including the stated Annual Percentage Yield (APY), is effective March 25, 2013. Navy Federal reserves the right to end or modify this offer at any time. Penalty for early withdrawal. The Special EasyStart Certificate has a $50 minimum balance and a $3,000 maximum balance. Additional deposits are allowed at any time, subject to the maximum balance. Certificate owner(s) age 18 and older must have Direct Deposit of Net Pay or payroll allotment and a Navy Federal checking account within 90 days of the certificate issue date. If these requirements have not been satisfied by the 90th day, your Special EasyStart Certificate dividend rate will be reduced to the prevailing dividend rate of the standard EasyStart Certificate for the remainder of the certificate's term.

Share Certificate Rates

Rates effective as of: February 24, 2018, 1:01 AM EST
Term $1K minimum $10K minimum $20K minimum $50K minimum $100K minimum
Dividend Rate APY* Dividend Rate APY* Dividend Rate APY* Dividend Rate APY* Dividend Rate APY*

Short-Term Certificate Rates

3 Month .60% 1,000 min..60% .60% 10,000 min..60% .60% 20,000 min..60% .60% 50,000 min..60% .70% 100,000 min..70%
6 Month .80% 1,000 min..80% .80% 10,000 min..80% .80% 20,000 min..80% .80% 50,000 min..80% .90% 100,000 min..90%
9 Month 1.09% 1,000 min.1.10% 1.09% 10,000 min.1.10% 1.09% 20,000 min.1.10% 1.09% 50,000 min.1.10% 1.19% 100,000 min.1.20%
12 Month 1.44% 1,000 min.1.45% 1.44% 10,000 min.1.45% 1.44% 20,000 min.1.45% 1.44% 50,000 min.1.45% 1.54% 100,000 min.1.55%
18 Month 1.59% 1,000 min.1.60% 1.59% 10,000 min.1.60% 1.59% 20,000 min.1.60% 1.59% 50,000 min.1.60% 1.69% 100,000 min.1.70%
24 Month 1.74% 1,000 min.1.76% 1.74% 10,000 min.1.76% 1.74% 20,000 min.1.76% 1.74% 50,000 min.1.76% 1.83% 100,000 min.1.85%

Long-Term Certificate Rates

3 Year 1.83% 1,000 min.1.85% 1.83% 10,000 min.1.85% 1.83% 20,000 min.1.85% 1.83% 50,000 min.1.85% 1.93% 100,000 min.1.95%
4 Year 1.98% 1,000 min.2.00% 1.98% 10,000 min.2.00% 1.98% 20,000 min.2.00% 1.98% 50,000 min.2.00% 2.08% 100,000 min.2.10%
5 Year 2.23% 1,000 min.2.25% 2.23% 10,000 min.2.25% 2.23% 20,000 min.2.25% 2.23% 50,000 min.2.25% 2.32% 100,000 min.2.35%
6 Year 2.27% 1,000 min.2.30% 2.27% 10,000 min.2.30% 2.27% 20,000 min.2.30% 2.27% 50,000 min.2.30% 2.37% 100,000 min.2.40%
7 Year 2.32% 1,000 min.2.35% 2.32% 10,000 min.2.35% 2.32% 20,000 min.2.35% 2.32% 50,000 min.2.35% 2.42% 100,000 min.2.45%
  • *APY=Annual Percentage Yield
  • The APY is an annualized rate that reflects estimated dividend earnings based on the dividend rate and frequency of compounding
  • Penalties may apply for early withdrawals from certificate accounts
  • Offering rates may change
  • Dividends compounded daily, credited monthly

IRA Certificate Rates

Rates effective as of: February 24, 2018, 1:01 AM EST
Term $1K minimum $10K minimum $20K minimum $50K minimum $100K minimum
Dividend Rate APY* Dividend Rate APY* Dividend Rate APY* Dividend Rate APY* Dividend Rate APY*

Short-Term IRA Certificate Rates

3 Month .60% 1,000 min..60% .60% 10,000 min..60% .60% 20,000 min..60% .60% 50,000 min..60% .70% 100,000 min..70%
6 Month .80% 1,000 min..80% .80% 10,000 min..80% .80% 20,000 min..80% .80% 50,000 min..80% .90% 100,000 min..90%
9 Month 1.09% 1,000 min.1.10% 1.09% 10,000 min.1.10% 1.09% 20,000 min.1.10% 1.09% 50,000 min.1.10% 1.19% 100,000 min.1.20%
12 Month 1.44% 1,000 min.1.45% 1.44% 10,000 min.1.45% 1.44% 20,000 min.1.45% 1.44% 50,000 min.1.45% 1.54% 100,000 min.1.55%
18 Month 1.59% 1,000 min.1.60% 1.59% 10,000 min.1.60% 1.59% 20,000 min.1.60% 1.59% 50,000 min.1.60% 1.69% 100,000 min.1.70%
24 Month 1.74% 1,000 min.1.76% 1.74% 10,000 min.1.76% 1.74% 20,000 min.1.76% 1.74% 50,000 min.1.76% 1.83% 100,000 min.1.85%

Long-Term IRA Certificate Rates

3 Year 1.83% 1,000 min.1.85% 1.83% 10,000 min.1.85% 1.83% 20,000 min.1.85% 1.83% 50,000 min.1.85% 1.93% 100,000 min.1.95%
4 Year 1.98% 1,000 min.2.00% 1.98% 10,000 min.2.00% 1.98% 20,000 min.2.00% 1.98% 50,000 min.2.00% 2.08% 100,000 min.2.10%
5 Year 2.23% 1,000 min.2.25% 2.23% 10,000 min.2.25% 2.23% 20,000 min.2.25% 2.23% 50,000 min.2.25% 2.32% 100,000 min.2.35%
6 Year 2.27% 1,000 min.2.30% 2.27% 10,000 min.2.30% 2.27% 20,000 min.2.30% 2.27% 50,000 min.2.30% 2.37% 100,000 min.2.40%
7 Year 2.32% 1,000 min.2.35% 2.32% 10,000 min.2.35% 2.32% 20,000 min.2.35% 2.32% 50,000 min.2.35% 2.42% 100,000 min.2.45%
  • *APY=Annual Percentage Yield
  • The APY is an annualized rate that reflects estimated dividend earnings based on the dividend rate and frequency of compounding
  • Penalties apply for early withdrawals from certificate accounts
  • Offering rates may change
  • Dividends compounded daily, credited monthly

ESA Certificate Rates

Rates effective as of: February 24, 2018, 1:01 AM EST
Term $1K minimum $10K minimum $20K minimum $50K minimum $100K minimum
Dividend Rate APY* Dividend Rate APY* Dividend Rate APY* Dividend Rate APY* Dividend Rate APY*

Short-Term ESA Certificate Rates

3 Month .60% 1,000 min..60% .60% 10,000 min..60% .60% 20,000 min..60% .60% 50,000 min..60% .70% 100,000 min..70%
6 Month .80% 1,000 min..80% .80% 10,000 min..80% .80% 20,000 min..80% .80% 50,000 min..80% .90% 100,000 min..90%
9 Month 1.09% 1,000 min.1.10% 1.09% 10,000 min.1.10% 1.09% 20,000 min.1.10% 1.09% 50,000 min.1.10% 1.19% 100,000 min.1.20%
12 Month 1.44% 1,000 min.1.45% 1.44% 10,000 min.1.45% 1.44% 20,000 min.1.45% 1.44% 50,000 min.1.45% 1.54% 100,000 min.1.55%
18 Month 1.59% 1,000 min.1.60% 1.59% 10,000 min.1.60% 1.59% 20,000 min.1.60% 1.59% 50,000 min.1.60% 1.69% 100,000 min.1.70%
24 Month 1.74% 1,000 min.1.76% 1.74% 10,000 min.1.76% 1.74% 20,000 min.1.76% 1.74% 50,000 min.1.76% 1.83% 100,000 min.1.85%

Long-Term ESA Certificate Rates

3 Year 1.83% 1,000 min.1.85% 1.83% 10,000 min.1.85% 1.83% 20,000 min.1.85% 1.83% 50,000 min.1.85% 1.93% 100,000 min.1.95%
4 Year 1.98% 1,000 min.2.00% 1.98% 10,000 min.2.00% 1.98% 20,000 min.2.00% 1.98% 50,000 min.2.00% 2.08% 100,000 min.2.10%
5 Year 2.23% 1,000 min.2.25% 2.23% 10,000 min.2.25% 2.23% 20,000 min.2.25% 2.23% 50,000 min.2.25% 2.32% 100,000 min.2.35%
6 Year 2.27% 1,000 min.2.30% 2.27% 10,000 min.2.30% 2.27% 20,000 min.2.30% 2.27% 50,000 min.2.30% 2.37% 100,000 min.2.40%
7 Year 2.32% 1,000 min.2.35% 2.32% 10,000 min.2.35% 2.32% 20,000 min.2.35% 2.32% 50,000 min.2.35% 2.42% 100,000 min.2.45%
  • *APY=Annual Percentage Yield
  • The APY is an annualized rate that reflects estimated dividend earnings based on the dividend rate and frequency of compounding
  • Penalties apply for early withdrawals from certificate account
  • Offering rates may change
  • Dividends compounded daily, credited monthly

More Certificate Rates

Rates effective as of: February 24, 2018, 1:01 AM EST
Product Minimum Deposit Term Dividend Rate APY*
SaveFirst Account $5 3 mos. to 5 Years .90% .90%
EasyStart Certificate (Share, IRA and ESA) $100 12 mos. 1.44% 1.45%
Variable Rate Share, IRA and ESA Certificate $500 3 Years 2.20% 2.22%
  • *APY=Annual Percentage Yield.
  • The APY is an annualized rate that reflects estimated dividend earnings based on the dividend rate and frequency of compounding
  • Rates for 3-Year Variable Rate Certificates adjust each year on the anniversary date of the purchase
  • Penalties apply for early withdrawals from certificate accounts
  • Offering rates may change
  • Dividends compounded daily, credited monthly